Save Money on Dothan Car Insurance Rates in Five Minutes

I can’t think of anyone who likes having to buy car insurance, particularly when their premiums are too high.

Having so many options when it comes to car insurance, it can be hard to find the lowest price car insurance company.

You should take the time to shop coverage around on a regular basis since insurance rates are usually higher with each renewal. Just because you found the best deal last year there may be better deals available now. Starting now, forget all the misinformation about car insurance because you’re going to get a crash course in the tricks you need to know to lower your annual insurance bill.

Compare Dothan Car Insurance Costs

Performing a rate comparison can be a lot of work if you don’t understand the best way to get rate quotes. You could spend your day talking to insurance companies in Dothan, or you can utilize online quotes for quick rates.

All the larger companies belong to a marketplace that allows shoppers to send in one quote, and every company returns a competitive quote. This saves time by eliminating quotation requests for every car insurance company. To use this form to compare rates click to open in new window.

The single downside to getting quotes like this is you cannot specify which carriers you will receive quotes from. So if you prefer to pick specific insurance companies to compare rates, we have a listing of the cheapest car insurance companies in Alabama. Click here for list of insurance companies in Alabama.

It’s up to you how you get prices quotes, just compare identical coverages on every quote you get. If each company quotes differing limits it will be very difficult to make a fair comparison in Dothan. Having just a slight variation in insurance coverages can make a big difference in price. And when comparison shopping, obtaining a wide range of quotes helps locate the best price.

Do you qualify for discounts?

Insuring your vehicles can cost a lot, but there are discounts available that you may not know about. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be specially asked for before you get the savings.

Low Mileage – Driving fewer miles can qualify you for better rates on cars that stay parked.
Driver’s Ed – Require your teen driver to take driver’s ed class if offered at their school.
Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates than drivers with accidents.
Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.
Clubs and Organizations – Belonging to a civic or occupational organization could qualify you for a break on your policy.
Passive Restraint Discount – Vehicles equipped with air bags can qualify for discounts up to 30%.
Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, companies wouldn’t make money that way. But any discount will bring down your premiums.

To see a list of insurance companies with the best car insurance discounts in Alabama, follow this link.

Aren’t my neighborhood agents an option?

A small number of people just want to get advice from a local agent and that is just fine! The best thing about price shopping on the web is the fact that you can find the best rates but also keep your business local. And supporting local insurance agencies is definitely important in Dothan.

To make it easy to find an agent, after completing this simple form, your insurance coverage information is emailed to local insurance agents who will return price quotes for your business. You won’t need to visit any agencies due to the fact that quote results will go directly to your email. How’s that for easy! You’ll get the best rates and work with a local agent.

Choose an insurance agent wisely

When searching for a reliable agent, there are a couple of types of insurance agents from which to choose. Dothan agents are either captive or independent.

Independent Insurance Agents

Independent insurance agents are not required to write business for one company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies.

When comparison shopping, we recommend you include at a minimum one independent agency to have the most options to choose from.

The following are independent agents in Dothan who may be able to give you price quote information.

Ray Preston Agency – 1919 Reeves St # 104 – Dothan, AL 36303 – (334) 793-5150
O’Bryan Agri Insurance – 1037 E Cottonwood Rd – Dothan, AL 36301 – (334) 794-5522
Agency J and D Insurance – 936 Oak St – Dothan, AL 36301 – (334) 677-0846
Lonnie Correll Insurance Agenc – 294 W Main St # 102 – Dothan, AL 36301 – (334) 794-9026
Joyce Agency – 803 Camelot Ct – Dothan, AL 36303 – (334) 793-7262

Captive Agents

Captive agencies can only write with one company and some examples include American Family, Liberty Mutual and AAA. These agents are unable to shop your coverage around so always compare other rates. They are well schooled on their company’s products and that can be a competitive advantage.

Below is a list of captive agencies in Dothan that are able to give rate quotes.

Allstate Insurance – 130 Honeysuckle Rd – Dothan, AL 36305 – (334) 792-7676
State Farm Insurance – 2603 Choctaw St – Dothan, AL 36303 – (334) 793-6396

To view a full list of Dothan captive agents, please go to this site.

Selecting an auto insurance agent needs to be determined by more than just a low price. Any agent should have no problem answering these questions:

Which insurance companies are they affiliated with?
Do you have coverage for a rental car if your vehicle is in the repair shop?
How are they compensated?
Will their companies depreciate repairs to your car based on the mileage?
Can glass repairs be made at your home?
Is the agent and/or agency licensed to do business in Alabama?
Are claims handled at the agent’s location?

Upon getting positive responses to any questions you have and locked in a price quote, it’s possible that you found an auto insurance agent that is a good match to properly service your car insurance policy.

You are unique and your car insurance should be too

When buying coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For example, these questions can aid in determining whether or not you would benefit from professional advice.

When should I remove comp and collision on my vehicle?
Am I covered if I wreck a rental car?
Do all my vehicles need collision coverage?
Does my policy cover my teen driver if they drive my company car?
Can I afford to buy a different vehicle if my vehicle is totaled?
Is pleasure use cheaper than using my vehicle to commute?
What can I do if my company denied a claim?
Why does it cost so much to insure a teen driver in Dothan?
Do I really need UM/UIM coverage?
Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Much more information about car insurance in Alabama can be read on the website for the Alabama Department of Insurance located here. Alabama drivers can get help finding coverage, read consumer alerts, and read industry bulletins.

Additional helpful sites include NAIC.org’s Understanding your Policy and this list of insurance agents in Dothan, AL.

Quote more, save more

We just presented some good ideas how to save on car insurance. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. Consumers may even find the best price on car insurance is with some of the smallest insurance companies. Regional companies may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

As you shop your coverage around, you should never buy less coverage just to save a little money. There are too many instances where drivers have reduced liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your focus should be to buy enough coverage at the best price while still protecting your assets.